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Life Insurance With Hepatitis

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If you’ve suffered from a form of hepatitis, or are still infected and currently undergoing treatment, you may be wondering if you qualify for life insurance.

Obtaining life insurance with hepatitis is common, especially if you know the steps to take when choosing a life insurance company and preparing for your application.

We understand it can be stressful to disclose your condition on a life insurance application. We’ll assist you with the details and let you know what to expect even before you apply.

A life insurance underwriter will consider the long-term health risks of your hepatitis, as well as your current lifestyle. We work with many life insurance companies and can help you determine the best company and policy for you. Let’s get into detail.

How To Get Cheaper Life Insurance With Hepatitis

The three most common types of hepatitis in the United States are hepatitis A, B, and C. The viruses are unrelated to one another, but all can cause complications or long-term damage to the liver, which is one of the body’s most vital organs.

Impaired liver function can lead to serious health risks, as the liver is responsible for purifying toxins which enter the body, creating proteins cells use to function and regenerate, and storing essential minerals and vitamins the body uses for energy. An unhealthy or permanently damaged liver can make you a higher risk to a life insurance company.

According to the Centers for Disease Control, new cases of hepatitis A have been on the decline for more than a decade. Hepatitis B and C continue to decline, as well, but are still prevalent in the US. It is estimated in 2014, there were more than 19,000 new cases of hepatitis B, and 30,500 new cases of hepatitis C.

Anyone can contract hepatitis, including babies, young children, and teens. Hepatitis A and B are most commonly contracted by:

  • Coming into contact with bodily fluids or stool of an infected person
  • Having sexual contact with an infected person, especially men who have sex with other men
  • Traveling to a country or region with high rates of hepatitis

Hepatitis C is most common among adults, especially those who use recreational injection drugs.

Each type of hepatitis has different incubation periods, symptoms, and duration of illness. Symptoms common to all types of hepatitis are:

  • Abdominal Pain
  • Fatigue
  • Fever
  • Joint Pain
  • Loss of Appetite
  • Nausea and Vomiting

Individuals who are infected with hepatitis A can expect to experience symptoms for a few weeks to a few months, without the fear of developing a chronic illness.

Hepatitis B often takes longer to present itself, and those infected are often sick for several months. Developing chronic illness and liver damage is more common in younger patients, so if you are infected with hepatitis B as an adult, you have a good chance of full recovery.

Individuals who are newly diagnosed with Hepatitis C are at the highest risk for developing a chronic infection and developing liver disease, which can result in death. This is why life insurance companies have to take these into consideration.

Vaccinations are available for hepatitis A and B. There is no vaccine available for hepatitis C. The best way to prevent hepatitis is to to educate yourself on the ways it can be transmitted and take precautions. Also avoid risky sexual behavior and drug use.

Our Application Process

If you have been diagnosed and treated for hepatitis A, and you are practicing an otherwise healthy lifestyle, free of alcohol, tobacco, and drugs, your life insurance application should be approved. Be sure to disclose your illness and the treatment you underwent. Your life insurance medical exam will confirm you are in good health.

If you have been infected with hepatitis B or C, you can expect the life insurance company to ask the following:

  1. When you were diagnosed?
  2. What treatment you underwent or are on currently?
  3. Whether your infection became chronic?
  4. If you have liver disease or cirrhosis of the liver?
  5. What liver function tests you have had and the results of those tests?
  6. What other health risks you may have?
  7. Whether or not you have regular visits with your doctor or specialist?
  8. Whether or not you smoke or use alcohol?

The insurance underwriter is looking to see if you have your hepatitis under control and if you are maintaining a healthy lifestyle. He or she will determine if you are putting any additional stress on your liver or are living a high risk lifestyle which may put you in additional danger of other infections.

Best Outcomes Available

If you have been completely recovered from hepatitis A for six months or more, are not experiencing any symptoms, and are in otherwise good health, you can expect to receive the best rates possible for life insurance, which are Preferred and Preferred Plus. You will not be seen as an impaired risk by the underwriter.

If you had hepatitis B and it did not develop into a chronic infection, have been free of symptoms for more than six months, and are otherwise in good health, you can expect to receive Standard or Standard Plus ratings from several life insurance companies. You may be asked to provide specific details about how you managed your illness and how you manage your current lifestyle.

If your hepatitis B turned into a chronic infection you are managing under a doctor’s care, and your liver function is normal (you’ll need tests to prove it), you can expect to receive a Standard health class rating. Your premiums may not be as low as you’d like, but you will still be able to receive life insurance coverage.

Individuals with hepatitis C can expect to receive Standard health care rates if they are managing their disease and can show they have not developed liver disease, cirrhosis of the liver, or other health conditions. Premiums will be  slightly less affordable, but coverage is still available.

If you have chronic hepatitis C and have severe liver damage, liver disease, cirrhosis, or other health conditions like cancer or HIV/AIDS, you will likely be declined for life insurance. You should work with an experienced insurance agent to determine your suitability for life insurance before applying.

Final Thoughts

Hepatitis can be a scary illness for anyone, regardless of how it was transmitted or if it develops into something chronic. Thankfully, modern medicine has found ways to treat hepatitis and prolong the lives of those infected.

Life insurance with any type of hepatitis is not always out of the question, though.

If you see your doctor regularly, follow a treatment plan, and do your best to avoid risky behavior which can make your illness worse, life insurance companies will take your application seriously, and often assign you a good health class rating.

Don’t be afraid to investigate your options for life insurance if you have hepatitis. We can help you navigate the waters and find a result you’ll be happy with. Contact us with questions or start by getting a quote on this page at Regular health.



Jason Fisher

Jason Fisher is the founder and CEO of, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.

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